INSURANCE FOR PHOTOGRAPHERS

Are you an individual photographer looking for business insurance? We are ready to help.

Pick the option below that best matches your business needs

Option One

Do you work alone? Is your number one priority to cover any mistakes or errors that may occur from the professional services you provide? This is the option for you.
Here’s what you get:
  • $1 million in coverage per loss with up to $2 million in coverage per policy term for professional liability and general liability
  • All contracted entities are covered as additional insureds at no additional cost
  • Optional business personal property coverage up to $50,000
  • Defense cost for abuse and molestation included at $100,000 in coverage per loss with up to $300,000 in coverage per policy term (excluding New York)
  • Coverage for one individual with no employees

Option Two

Are you an entrepreneur who has turned your passion into a business? Do you have inventory, or do you use equipment to provide your services? Do you have other equipment you’re concerned about protecting? Choose this option.
Here’s what you get:
  • Includes $5,000 business personal property coverage (limits available up to $100,000)
  • $1 million in coverage per loss with up to $2 million in coverage per policy term
  • $25,000 professional liability limits (not available in all states)
  • For an additional $100, your policy will cover all contracted entities as additional insureds
  • Coverage for up to three employees

WE BUILD OUR COVERAGE TO MEET YOUR NEEDS

From weddings to portraits to nature, there are many different types of photography and videography. Capturing the perfect moments is what's most important not only to you, but to your clients. We can offer the right coverage in a flash.

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WE TARGET THE BUSINESSES THAT WE KNOW BEST

General liability, professional liability, property and data security. See if you are a fit for our competitive pricing.
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GENERAL LIABILITY

If you break a valuable heirloom while shooting family portraits in a client's home, they can sue you to recover the cost of the item. General liability can cover the lawsuit.

PROFESSIONAL LIABILITY

If you accidentally delete your client's wedding photos or video before they can be edited, your client can bring a claim against you. Professional liability can cover both the legal fees and the potential damages of the claim.

BUSINESS PERSONAL PROPERTY

If your camera is stolen, you can be covered for its replacement.

DATA SECURITY

If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing. Data security coverage can cover you for the costs and guide you through the process.


Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.

BEST PRACTICES RESOURCES

Our best practices are a practical guide to help you avoid unnecessary claims

Always use written contracts - A written contract that is signed by both parties helps outline the extent of the services you will provide to your client. This will help to protect you in the case that a client sues you for not meeting their expectations. Consult a local attorney to ensure that your contract meets the necessary state requirements.

Back up your photographs and videos - Some of the most common claims against photographers and videographers stem from lost photos or videos that were guaranteed as a part of a contract and were not received due to a failed memory card or stolen camera that was not backed up. Make sure that you have a system in place to prevent this incident from happening.

Protect your equipment - Cameras are stolen often and are expensive to replace. Transport your cameras securely and store them in a safe place when they are not in use.

Listen to your clients - Whether you are working on family portraits or a wedding, your clients often have specific preferences when it comes to the photos they would like you to take. It is important to know what your clients are expecting, even though you have some artistic license.

Maintain strict deadlines - You can set valuable and realistic expectations with your clients by communicating when the photos or videos will be edited and ready. By sticking to the deadlines that you set, you can help prevent a claim from a client who believes you did not deliver the final product in a timely fashion.

Get the appropriate releases from all models - Get the required signed releases from all individuals involved in a shoot when taking photographs or video for commercial use.

OPTION ONE

Do you work alone? Is your number one priority to cover any mistakes or errors that may occur from the professional services you provide? This is the option for you.

Quote Now

OPTION TWO

Are you an entrepreneur who has turned your passion into a business? Do you have inventory, or do you use equipment to provide your services? Do you have other equipment you’re concerned about protecting? Choose this option.

Quote Now

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